Lead Engineer / Architect - Payments & AI

Fractal Analytics Ltd.; Mumbai; On-site; INR 4,000,000 - 7,000,000; Full time

Job summary

Fractal Analytics Ltd. in Mumbai seeks a hands-on Lead Engineer/Architect with deep payments, transaction processing, and AI/agent engineering experience to design and build end‑to‑end, AI‑driven payment solutions across markets.

You will own the technical solution from requirements and architecture through agent development, payment integration, testing, and successful transaction execution. Mentorship and code reviews are expected as part of leadership.

Qualifications

• 10+ years of software engineering with architecture and leadership.
• Proven hands-on Python development experience.
• Experience designing and building LLM/GenAI apps and AI agents.
• Strong understanding of payments and transaction processing.
• Experience with payment APIs, gateways, and processing platforms.
• Cloud proficiency across AWS/Azure/GCP.
• Experience with enterprise integrations and event-driven architectures.

Responsibilities

• Design and build AI agents to initiate, process, and complete end-to-end payments.
• Translate payment requirements into agent workflows, APIs, and rules.
• Create configurable, reusable solutions for market-specific payments.
• Define architecture for agent orchestration and transaction state management.
• Integrate agents with payment systems, gateways, and enterprise services.
• Balance AI decisioning with deterministic payment logic.
• Lead development, review code, and mentor engineers.
• Ensure security, observability, and guardrails around payment actions.
• Oversee end-to-end testing and market-specific transaction success.

Skills

Python development

LLM/GenAI

Payments knowledge

REST APIs & microservices

Cloud platforms

Technical leadership

Architectural design

AI guardrails

Agent orchestration

Event-driven architectures

Tools

LangGraph

LangChain

CrewAI

Job description

It's fun to work in a company where people truly BELIEVE in what they are doing! We're committed to bringing passion and customer focus to the business.

Role Overview:

We are looking for a hands‑on Lead Engineer / Architect with strong payments, transaction processing, and AI/agent engineering experience to design and build AI‑driven solutions capable of executing end‑to‑end transactions across multiple markets. The role will own the technical solution from requirements and architecture through agent development, payment integration, testing, and successful transaction execution.

Key Responsibilities:

• Design and build AI agents capable of initiating, processing, and completing end‑to‑end payment transactions.
• Understand the payment transaction lifecycle and translate payment requirements into agent workflows, business rules, APIs, and system integrations.
• Analyze market‑specific payment requirements and variations and design configurable, reusable solutions.
• Define architecture for agent orchestration, transaction state management, tool/API invocation, exception handling, retries, and recovery.
• Integrate agents with payment platforms, gateways, transaction processing systems, APIs, and enterprise services.
• Define appropriate boundaries between AI‑driven decisioning and deterministic payment/business logic.
• Develop primarily using Python, LLMs, and appropriate agent frameworks.
• Implement security, authorization, auditability, observability, and guardrails around agent‑driven payment actions.
• Lead end‑to‑end testing and demonstrate successful transaction execution for each target market.
• Provide hands‑on technical leadership, conduct design/code reviews, and mentor engineers.

Required Experience:

• 10+ years of software engineering experience, including architecture and technical leadership.
• Strong hands‑on Python development experience.
• Proven experience designing and building LLM/GenAI applications and AI agents.
• Strong understanding of payments and transaction processing.
• Experience with payment APIs, gateways, transaction processing platforms, or payment services.
• Strong understanding of payment lifecycle concepts such as transaction initiation, authorization, processing, transaction status, exceptions, and completion.
• Strong experience with REST APIs, microservices, distributed systems, and cloud platforms.
• Experience designing enterprise integrations and event‑driven architectures.
• Experience with AWS, Azure, or GCP.
• AI / Agent Experience: Experience building AI agents and agent‑based workflows.
• Experience with agent orchestration, tool/function calling, structured outputs, and LLM integration.
• Experience with frameworks such as LangGraph, LangChain, CrewAI, or equivalent.
• Experience implementing AI guardrails, evaluation, observability, and human‑in‑the‑loop controls.
• Ability to determine where AI should be used versus deterministic rules within payment workflows.

Preferred Experience:

• Experience across multiple payment markets or regional payment ecosystems.
• Knowledge of payment authorization, clearing, settlement, reconciliation, fraud/risk, disputes, or exception management.
• Experience with Kafka or other event‑streaming technologies.
• Experience designing configurable architectures supporting market‑specific payment variations.

Success Criteria: The successful candidate will be able to take a payment transaction requirement, design the agent and supporting architecture, build the solution, integrate with the required payment systems, and demonstrate a successfully completed transaction for each designated market. This is a hands‑on architecture and engineering role. The candidate must be comfortable coding, debugging, integrating payment systems, and owning the end‑to‑end technical solution.

At Fractal, towards our goal of “powering every human decision in the enterprise”, our partnerships and alliances help in creating and delivering a compelling suite of solutions to unlock value. We partner with companies from around the globe, leaders in their respective fields. With Fractal’s expertise in artificial intelligence, design, engineering, and digital transformation, combined with the data, technology, and software platforms from our partners, we create cutting‑edge solutions to problems in the business world. We understand how critical and timely decision triggers, and information, empower our clients to create, unlock, deliver, and realize value. Together with our partners, our goal is to serve each client in their end‑to‑end data‑to‑decision journey.